I've always been pretty afraid of lending and borrowing, mainly worried that I don't watch the market closely enough. When it really gets close to the liquidation line and three steps away from the red line, I usually don't try to tough it out: I first reduce my position a little, preferring to earn less and create some breathing room; then I re-calculate the collateral/loan side, rather than relying on "gut feeling." If it's still tight, I just add margin or pay back some first. Anyway, as someone who slacks off at work, I usually end up paying tuition to the market in the end...

By the way, about that recent social mining, fan tokens, and so on—I see everyone talking about it enthusiastically, but I always lag behind: am I focusing on mining, or am I just working for others' attention... Forget it, I'll just watch the show, do less, watch more.